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CSD Car Buying Process, Eligibility, Document Norms in 2021 India

CSD Car Buying Process, Eligibility, Document Norms in 2021 India

Car Purchase Process through CSD Canteen with Eligibility, Documents for Commissioned Officers, JCO, PBOR, Exservicemen in Indian Army, Navy, IAF Force


CSD Canteen Car Buying Process - 2021

Its estimated that there are close to 5000 CSD (Canteen Stores in India) with estimated annual turnover (sales) in excess of 12000 crore. With over 3000 products available at concessional price - Car Probably is the most expensive Product which can be bought through CSD Canteen

Unlike - other consumer goods and items - which are available over the counter. Cars are bought through Authorized Car Dealerships only - but process and payments are routed through CSD Car Cell Unit and pricing is calculated with 50% Rebate on GST

 

 

Eligible Profiles for CSD

Whether - you from :-

  • Indian Army
  • Navy
  • Air Force
  • Defence Sector on payrolls of Government of India are eligible to buy cars through CSD.
  • Widows of Defence Officers, Parent of Deceased Officer who lost lives while serving the nation can also buy Car.

All Commissioner Officer, Ex-Servicemen from Defence Personnel can buy car irrespective of Ranks through CSD. Even - can also get finance from Private Banks or Nationalized Banks as per sole discretion.

  

CSD Eligibility Norms for Buying Cars in 2021

CSD Canteen has specified a chart - which defines Car Eligibility basis

  • Pay Scale of Defence Personnel
  • Price

and revised in Eligibility Criteria

CSD Pay Scale Maximum Car Price Minimum Service Criteria  Gap
Below Junior Commissioned Officer (Pay Level 3A to 6) Rs 6 Lakh (without GST) First Car only after 5 years of Service Once in Job, Once in Retirement, but gap should be of 8 Years
Junior Commissioned Officer (Pay Level 7 to 9) Rs 7 Lakh (without GST) First Car only after 5 years of Service  Second Car on Promotion as JCO and 3rd Car in Retirement, , but gap should be of 8 Years
Officer Grade and above: Pay Level 10 - 18 Rs 15 Lakh (without GST) Can Buy Car at any time 8 Yrs Gap before buying Second Car
Serving Defence Civilian Officer : Pay Level 11 - 18 Rs 15 Lakh (without GST) Can Buy Car at any time 8 years gap between 1st and 2nd car

 

Do note that above Car Price Eligibility is without GST, technically 

  • Jawan can buy Cars with 1.5 Litre Petrol Cars having Exshowroom Price of Rs 8.7 Lakh and smaller 1.2 Litre Engine Cars having Ex-showroom Price of Rs 7.7 Lakh
  • JCO will be eligible for Cars with 1.5 Litre Petrol Cars having Exshowroom Price of Rs 10 Lakh and smaller 1.2 Litre Engine Cars having Ex-showroom Price of Rs 9 Lakh
  • SUV or Sedan Cars with Ex-showroom Price of Rs 21.75 Lakh would be what available for Officer Grade

 

Below is Hierarchy which is led by Field Marshall :-

Officer: General, Lt. General, Major General, Brigadier, Colonel, Lt Colonel, Major, Captain, Lieutenant

JCO / PBOR (Personnel Below Officer Rank) : Subedar Major, Subedar, Naib Subedar

 

CSD Payment:

Effective 1st February 2021 payment system is what Centralized PAN India where CSD Payments needs to be sent to 

  • CSD Head Office Main Account AFD1 Receipts Only
  • PNB Fort Branch, Mumbai

 

CSD Car Buying Process in 2021 - Updated

New Cars

Check Prices with Complete Features

Make
Model

 

Step 1 - User Registration on CSD Site

Starting 2021 January, Defence Ministry introduced a new portal for CSD where documents needs to be uploaded to i.e website https://afd.csdindia.gov.in/

How to Create User Account - Visit Site, Click Shop Now and then Register to create an account by submitting

  • Aadhaar for KYC
  • Grocery Card
  • PPO

Sign up application will be approved by CSD Admin End in few days.

 

Step 2 - Contacting Dealer Showroom 

» You have to visit a local Dealer first and finalize for the car looking to buy. Its important to note that all models may not be listed and even if car model is approved,, it may likely be possible that some of its variants are not available through CSD. So - Best to contact a dealership who is registered with CSD Depot (list may be available with Local CSD Depot or Contact Local Dealer for checking on same)

» Once Model and Variant Finalized - ask Dealer to give a Proforma basis CSD Canteen Price List with breakup of Price, Road Tax, Insurance Premium having Model, Sub Model, Color including Tentative Delivery Status basis Stock. Do ensure that Unique Index Number as what allotted in CSD is mentioned with Model Variant Name, Color in the Proforma Invoice and even the final Invoice too

» Also take - Availability Certificate that the car will be delivered in how many days post booking (without which CSD will not approve application).

Please ensure to cross-validate the price as said by Dealer on CSD Website

 

 

Step 3 - Payment Process

In meanwhile your user account details will be approved in CSD Site and a confirmation would be received on your mail. Now you can arrange for Funds

  • Its time to Arrange Funds - If Ready Funds Available, its well and fine. Else apply for Car Loan with any Private Bank or PSU Bank
  • Car Loan Application to Loan Disbursement takes a short time in between 1 to 2 weeks. So - apply for loan only Post Sanction received. Do note that - In Certain Car Loan Cases - Banks also issue a consolidated Draft equivalent to value of Car - if Margin Money Deposited with them. Checkout with your Bank - If Facility Available. Ensure to keep a original copy of Bank Sanction / Disbursement Letter for Verification in CSD
  • Effective 1st February 2021 - RTGS to be done in favor of CSD Head Office Main Account AFD1 Receipts Only in Punjab Natiional Bank in PNB Fort Branch, Mumbai. Pls ask for Account Number from local dealer

 

Step 4 - Uploading Documents in CSD Site

Then Online Applicantion Form with relevant documents (as listed in Tabular Format) should be uploaded in Soft Copy Format on CSD Website

  • Proof of Payment as made to CSD Head Office Main Account AFD1 Receipts in Punjab National Bank.
  • Pan card and Aadhar card (ID and Address Proof)
  • Job ID Proof, Pay Slip (If Working) / Exservicemen ID Proof (if retired) / Job ID Proof (if deceased and applied by family members)
  • Dealer Car Proforma Price with Make, Model Variant, Color Details
  • Availability Certificate from Dealer 

Then after uploading these documents Generate Challan and Save Same to take a Print Out which is needed for submission to CSD Canteen

 

 

Important Points while Filling and Submitting Application Form for CSD

» Pan Card Number and Grocery Number to be Mandatory Filled

» If Previous Car Purchased through CSD then date of Purchase, else if no previous car purchased then specify that no Previous Car Purchased. Do not Leave Column Blank

» Complete Address, Service Number, Date of Enrolment and for Ex-servicement Date of Discharge - all details to be completely filled

» There is no separate Priority List or Sanction needed. All Customers meeting in CSD Eligibility requirement criteria are well considered approved for taking benefit through purchase of Car through CSD

 

CSD HelpDesk

If someone faces an issue while doing registration can contacr on Helpdesk - 0120-4699923 

Also, a Whatsapp helpline number created for any CSD related query where can send message on 9321601308 for any issue related to Product Price or availability,

Also is Helpdesk Email Id - This email address is being protected from spambots. You need JavaScript enabled to view it. created where any issue related to CSD  can be emailed in

 

Step 5 - Submit Documents in CSD Canteen for Purchase Order Issuance

You do not need to visit Depot for buying Car, but can submit below documents to CSD Canteen

  • Generated CSD Challan
  • Pan card and Aadhar card (ID and Address Proof)
  • Job ID Proof, Pay Slip (If Working) / Exservicemen ID Proof (if retired) / Job ID Proof (if deceased and applied by family members)
  • Canteen Grocery Card
  • Copy of Driving Licence (Driving License is Relaxed for Senior Citizens as per Guidelines issued in June 2015)
  • 6 month Bank Statement and 3 months Salary Slips (if working) / PPO (Pension Pay Order) for Retired Officer / Pension Copy of Deceased Family Member
  • Service Certificate (Working)
  • Discharge Book or PPO (for Ex-Servicemen)
  • Relationship Proof in Original and PhotoCopy (Only in Deceased Cases)
  • Dealer Car Proforma Price with Make, Model Variant, Color Details
  • Availability Certificate from Dealer 

 


Do Not Miss to Read on  :- CSD Car Prices in India (Next Article)


 

Step 6 - Purchase Order Issuance

  • The Purchase Order (including Sale Letter, Supply Order Number and Authority Letter) is then issued after scrutiny of documents either on same day or in next 2 to 3 days - you can take this Purchase Order along with you for taking Delivery..
  • Applicable Road Tax and Insurance Premium Payment has to be separately made by the Applicant at Dealer Premise or at RTO and Insurance Company on it own. Any additional accessories if bought will have to be paid separately by applicant to dealer directly

Important: In case the car is on waiting, a minimum booking amount can be done as decided by the manufacturer.. However - complete payment can only be made with CSD once dealer confirms that vehicle is in stock with availability certificate on letter head.

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Important: If you seek advise or recommendation, pls raise query in Car Forum instead of posting in comments

 

Comments 290

Guest - Abhijay on Monday, 04 October 2021 11:49

Dear mycarhelpline,

I am availing a four wheeler from CSD. I have made a booking amount and have received the availability certificate from showroom.

Since I wanted to go for loan, the showroom officer directed me to a particular bank. I am opting for 50% loan.

The paperwork has been completed and the loan is sanctioned. However now the bank is insisting to transfer the remaining amount to them only after which the loan will be disbursed. I have tried to explain the CSD procedure, but the bank is not following the procedure. Could you please tell me how to handle the scenario ?

Dear mycarhelpline, I am availing a four wheeler from CSD. I have made a booking amount and have received the availability certificate from showroom. Since I wanted to go for loan, the showroom officer directed me to a particular bank. I am opting for 50% loan. The paperwork has been completed and the loan is sanctioned. However now the bank is insisting to transfer the remaining amount to them only after which the loan will be disbursed. I have tried to explain the CSD procedure, but the bank is not following the procedure. Could you please tell me how to handle the scenario ?
Guest - bharat yadav on Tuesday, 28 September 2021 18:56

Sir there is a problem in uploading my home address and account details on the portal. WHAT SHOULD I DO

Sir there is a problem in uploading my home address and account details on the portal. WHAT SHOULD I DO
Guest - AMARNATH BHOI on Sunday, 26 September 2021 21:57

Sir, what will happen if supply order released and can't be verified at CSD canteen with in month end? And how many days it will take if supply order cancelled by individual?
Please clarify.

Sir, what will happen if supply order released and can't be verified at CSD canteen with in month end? And how many days it will take if supply order cancelled by individual? Please clarify.
Guest - T A George on Tuesday, 14 September 2021 20:49

can i purchase electric car through csd

can i purchase electric car through csd
Guest - Frank on Tuesday, 14 September 2021 20:21

Can a dependant collect the vehicle on behalf of the beneficiary or if the beneficiary is at his duty station?

Can a dependant collect the vehicle on behalf of the beneficiary or if the beneficiary is at his duty station?
Guest - Swapnil Ghorpade on Tuesday, 31 August 2021 17:51

Jai Hind sir ,
We need to buy car , as my father is senior citizen is it mandatory if he has to submit DL as it date is expired .

Jai Hind sir , We need to buy car , as my father is senior citizen is it mandatory if he has to submit DL as it date is expired .
Guest - Utkarsh Raj on Monday, 23 August 2021 09:08

Sir, for example I am eligible to buy Nexon Xz varient but I want to buy XZ+ varient. Is there any way I can avail Nexon Xz+ varient.

Sir, for example I am eligible to buy Nexon Xz varient but I want to buy XZ+ varient. Is there any way I can avail Nexon Xz+ varient.
Guest - Vipin Kumar Yadav on Thursday, 15 July 2021 12:20

hi sir my father retired(2009) from ordinance factory kanpur and he is 71 years old he has never purchased car he is in pay band 2 which pay level he comes under and is he eligible to buy car.
and i have renewed my card but in online registration, the card number is showing invalid please reply

hi sir my father retired(2009) from ordinance factory kanpur and he is 71 years old he has never purchased car he is in pay band 2 which pay level he comes under and is he eligible to buy car. and i have renewed my card but in online registration, the card number is showing invalid please reply
Guest - N kurupati on Thursday, 23 September 2021 00:25

Very similar situation as my father retired from drdo. Pls confirm sir about the eligibility. Thanks in advance

Very similar situation as my father retired from drdo. Pls confirm sir about the eligibility. Thanks in advance
Guest - kartik dev pujari on Thursday, 08 July 2021 13:26

hi sir ,
i dont have 5 years of service as i was given service retirement on medical basis, can i still buy a car from csd .

hi sir , i dont have 5 years of service as i was given service retirement on medical basis, can i still buy a car from csd .
Guest - Sardar Singh on Saturday, 14 August 2021 10:28

Yes ofcourse why not. You are eligible For purchase every item equal others ex service man.

Yes ofcourse why not. You are eligible For purchase every item equal others ex service man.
Guest - Mukesh on Saturday, 26 June 2021 07:09

Can someone, who is a retired sepoy in pay lever 3A-6, please check the CSD ASD site if the Nissan Magnite XV premium Turbo Manual is available for the rank OR(Pay level 3A-6).

My grandfather retired from army in 1969 and I want to know if he is eligible for getting that vehicle. I have registered in CSD ASD, but it is yet to be activated and so I'm not able to check if my grandfather is eligible or not.

Please someone help. Thanks.

Can someone, who is a retired sepoy in pay lever 3A-6, please check the CSD ASD site if the Nissan Magnite XV premium Turbo Manual is available for the rank OR(Pay level 3A-6). My grandfather retired from army in 1969 and I want to know if he is eligible for getting that vehicle. I have registered in CSD ASD, but it is yet to be activated and so I'm not able to check if my grandfather is eligible or not. Please someone help. Thanks.
Guest - psbedp on Tuesday, 18 May 2021 20:30

hello sir,

My father has retired from the army and now currently serving in DSC. Can a car be bought on dependents name through CSD .

Regards
zo ludhiana

hello sir, My father has retired from the army and now currently serving in DSC. Can a car be bought on dependents name through CSD . Regards zo ludhiana
Guest - Arjun on Sunday, 18 April 2021 21:38

Hi sir,
I am retired as hawildar on 2004.I have made full payment through direct bank using RTGS(through branch visit with UTR) and not used online PaymentGateway. Will this be accepted? else what is the process to get refund?

Hi sir, I am retired as hawildar on 2004.I have made full payment through direct bank using RTGS(through branch visit with UTR) and not used online PaymentGateway. Will this be accepted? else what is the process to get refund?
Guest - ASHISH PHAD on Monday, 12 April 2021 16:19

I have placed order for Royal Enfield Classic 350 Stealth Balck on 9th April 2021 . when I will get purchase order ?

I have placed order for Royal Enfield Classic 350 Stealth Balck on 9th April 2021 . when I will get purchase order ?
Guest - K Supriya on Thursday, 08 April 2021 12:02

Hai sir , my mother is ex-servicemen with lieutenant Cadre.. she served for 8years in army..so don't have any army pension (no ppo), but having discharge book. We're planning to buy a car..we registered in afd online but while check out it is asking for ppo number...what should we do please answer sir

Hai sir , my mother is ex-servicemen with lieutenant Cadre.. she served for 8years in army..so don't have any army pension (no ppo), but having discharge book. We're planning to buy a car..we registered in afd online but while check out it is asking for ppo number...what should we do please answer sir
Guest - Laxman Kumar on Sunday, 21 March 2021 05:51

I want to purchase car through PNB bank loan but Bank can't issue UTR no. Due to same bank. Website showing UTR No. Compulsory how to overcome this. Canteen helpdesk nos and e- mail iD no response.

I want to purchase car through PNB bank loan but Bank can't issue UTR no. Due to same bank. Website showing UTR No. Compulsory how to overcome this. Canteen helpdesk nos and e- mail iD no response.
Guest - Asish Sikdar on Thursday, 18 March 2021 20:19

Dealer delay to car delivery how to do

Dealer delay to car delivery how to do
Guest - Upender Singh on Wednesday, 24 February 2021 21:07

Is booking of car thought csd is open or close temporary.

Is booking of car thought csd is open or close temporary.
Guest - Vrinda Agnihotri on Tuesday, 23 February 2021 21:32

My husband is deceased, do i have to use my information on the afd portal while sign up?
Also, I don’t have a driving license. Is it necessary? Can my son attach his license?

My husband is deceased, do i have to use my information on the afd portal while sign up? Also, I don’t have a driving license. Is it necessary? Can my son attach his license?
Guest
Sunday, 28 November 2021

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